Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$77,061Cash toward the purchase price.
Closing costs + prepaids$26,058Not just lender fees.
Before credits & paid funds$103,119The complete starting cash picture.
Estimated remaining funds due at closing
$103,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,061.27
Your down payment$77,061.27
Closing costs + prepaids$26,057.95
Total buyer cash needed$103,119.23
Remaining funds due$103,119.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,109.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,548.25
Initial HOA (3 months)$480.00
Prepaid interest, first (26 days)$3,712.01
Fees + prepaids$26,057.95
Your down payment is the seller’s equity. You take over the $821,939 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $103,119.23 is due at closing. Uses and sources reconcile at $925,057.95 each. Not a Closing Disclosure.